3 Things to Do Now If You Want to Buy a House This Year

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1. Save as much money as you can. Cut out the small things that add up like Starbucks coffee or getting gas where is convenient rather than the most economical location.

2. Go see a local Lender. They will pull your credit score and let you know exactly what to do if you have to improve your score. They will also let you know how much your house payment will be at different price points so you can determine the price range of your future home. The lender will also instruct you on the mortgage process of purchasing a home.

3. Select Your Realtor¬ģ Now. If you are watching Zillow or another secondary real estate site, you are not getting timely accurate information about homes for sale. Your realtor will send your listing of a home for sale immediately when the home is listed and also, notify you when homes in your price range get an accepted offer. This helps you learn the value and the demand of homes for sale. Starting this process of house hunting online will assist you greatly when you actually go to look at homes for sale.

Even if you are not ready to purchase a home, we are happy to provide you with listing deals as well as real estate market updates.

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If you have any other questions about buying a home, please contact us : (360) 899 Р5027 or jean@jeangroesbeck.com.

Jean Groesbeck & Associates LLC

Ways to SAVE During Tax Season

It’s that dreaded time of year when your taxes need to be done.  But this year you might have something to look forward to.  Did you know that if you purchased a home in 2016, you could be eligible to get some tax breaks?  Whether you paid cash for your home or financed it through a mortgage, read on to find out how you could benefit from your home purchase last year.

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DEDUCTING MORTGAGE INTEREST

Great news!  All that interest you paid on your mortgage over the year could be tax-deductible.  For some homeowners, interest paid can yield a significant tax-break, and even more so in the early years of paying toward your loan.  This applies whether you pay interest on a condo, boat, mobile home, or RV used as a residence with sleeping, cooking and toilet facilities. Talk to an expert to see if you meet the requirements.

REAL ESTATE TAXES

You can also deduct taxes based on the assessed value of your home and property.  These taxes can usually be deducted in the year in which they are paid.  Does your lender currently escrow your taxes and insurance?  If so, they will send a statement to you that you will file with your tax returns.  Ask an expert for help in determining if you qualify.

HOME IMPROVEMENTS

If you make any improvements to your home (or made any last year), including home renovations, fencing, or new roofing, save all your receipts and records of this.  While you can’t deduct these expenses this year, you could deduct them when you sell your home in the future.

Want to discuss buying or selling a home in 2017?  We are at your service! Call, text, or email us any time.

(360) 941-3734

Info@JeanGroesbeck.com

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Should you sell your home now?

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Selling your home is a huge decision that often causes extra (and unwanted) stress.  Deciding when to sell your home is not always only about the money, but a lifestyle change.

Anacortes-based Jean Groesbeck & Assoc. LLC is a team of experienced and professional real estate brokers who know the market in Anacortes, throughout Skagit County, and beyond.  Even if you are interested in seeing what your home is worth or interested in selling in a few months, contact us early to begin the process.  Allowing for ample time to get your home and finances in order will allow for a smoother process later.

Jean Groesbeck & Assoc. LLC doesn‚Äôt just list homes, we sell them.¬† We utilize our resources online, social media, throughout the area¬†to promote your property ensuring that we will get you an offer that is best for you ‚Äď and we will guide the process along the way.

Our team of dedicated and full-time brokers is the number one sellers of pre-owned properties in Skagit County.  Don’t wait; call us today at (360) 941-3734.

We look forward to working for you.

Making an Appointment to Show Your Home

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When your home is for sale, it is important to be flexible with your schedule to allow for potential buyers to view your home.  Once a time is determined for an agent and their client to see the home, the client may take just five minutes and some 20 minutes, but there is no way to know ahead of time what amount of time each client will need.  Open communication with the broker and client will help everyone to be in the know so you can plan accordingly or be aware of any schedule changes.

Having your home on the market means there might be someone who will stop to ask you if they can see your home while they are driving through your neighborhood.  Please do not let them in! Not only could it be a security risk, but we will have no way of following up with them afterward.  Should this occur, have them contact their real estate agent if they are already working with one, and if they are not, please have them contact your real estate agent.

Please do not allow an agent into your home without having them use the lock box.  The lock box keeps an electronic record of who enters your home and provides us with the information to follow up with the agent.  It also allows us to notify them in case we do make a price adjustment or something changes with the home.  Make all agents use the lock box for your protection.

For more real estate tips, please contact us at Jean@JeanGroesbeck.com or call (360) 941-3734.

Are You Ready To Own Your First Home? (Part 2)

 

 

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Last week we shared with you Part 1 of : “What to consider when buying a home”. We went over the first steps to take before looking for your dream home in Anacortes or Skagit County. ¬†So now you found your dream home for sale and are ready to make an offer. Now what? Here is Part 2…

Making and Submitting an Offer

Once you’ve found your dream home for sale, your Jean Groesbeck & Associates LLC  real estate broker will  complete a purchase and sale agreement to make an offer to buy your perfect home.  We will walk you through financing, insurance, title and escrow companies, and all that goes into making an offer. Your real estate broker will then present the offer to the listing agent or directly with the seller in person if possible.  Once your offer is accepted, the purchase and loan process begins.

Escrow

A lot is involved in this step, but don’t worry. We’re here to help you!  This is when financing, home appraisal, inspections, and possible further negotiations occur.  You usually will sign closing documents prior to the day of closing at the escrow company of your choice. As closing day gets near, you will have begin to plan your move with ample time.

Moving

Moving is a process that often takes much longer than people expect.  Will you move yourself, or hire movers?  Will you be bringing every piece of furniture you own?  Make sure it will fit in the new spaces.  Consider having a yard sale!  Your real estate broker will give you moving tips and if available a checklist for moving. This will make moving so much easier and stress free!

Closing

On the day of closing you usually get the keys by 9 PM  unless something different is specified in purchase and sale agreement. This day you are officially a home owner and now it’s time to move into your new dream home!

We will do everything we can to make the home buying process as easy as possible. We want to make your home buying experience enjoyable and the transaction flawless!  We believe that purchasing a new home should be fun and you deserve to have the best local real estate broker that can make this happen.

Call, text or email us anytime with any questions you have on buying a new home in Anacortes, Whidbey Island or Skagit County. We are here to help!

(360) 941-3734

Info@JeanGroesbeck.com

809 7th St. Anacortes, WA 98221

809 7th St.
Anacortes, WA 98221

Are you ready to own your first home?

 

 

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Here are a few things you will want to consider when looking to buy a new home in Anacortes or Skagit County:

First Things First

Contact your Jean Groesbeck & Assoc. full time real estate broker so that we can guide you in buying a home every step of the way.  We’ll help you with decisions like whether a condo or a house with a yard is the best choice for you.  We’ll talk you through what’s involved in owning a home, like property taxes, maintenance, and home owner dues.  If you are ready, you will find a lot of joy in owning your own home.

Next, Get Pre-Qualified

When we find the right house and you want to make an offer, you will need to disclose if you are going to finance your purchase and if so, provide a pre-approval letter so we suggest getting this step out of the way. Our team can help you find find a good lender to find out how much you can afford for your new home or property in Anacortes, Skagit County or Oak Harbor.

Searching For Your Dream Home

The search for your dream home is one of the funnest parts of buying a new home.  However there are some things to remember during this process. For example, it can be tempting to see homes that are listed way above your pre-approval amount. Stay within the price range you have been qualified for, this will save you a lot of time. Also, think about your neighborhood preference.  Do you want to live in Skyline, Spinnaker Cove, Parkside, Seaview, Marine Heights, Old Town…. Do you want the ease of living within the city limits, or will your home be out in gorgeous Skagit County?

If you are buying a home, there are several of us available to you at any time so that you don’t have to adjust your schedule. We will make sure you get in the new listings right away! We will listen to your needs and show you homes that you might not otherwise see. We will help you select the perfect home for you.

Stay tuned next week for further steps in buying your first home in beautiful Anacortes, Skagit County, or Oak Harbor.

We can’t wait to help you get started! Call, text or email us today!

Info@JeanGroesbeck.com

809 7th St Anacortes, WA - (360) 941-3734

809 7th St Anacortes, WA – (360) 941-3734

 

 

Choosing The Right Mortgage Lender

Are you ready to buy a new home in 2016? If you are like most people in the United States, it is very likely that you will need a mortgage loan to purchase your new home. Shopping around for a good loan is as important as finding your dream home. Finding the right mortgage lender takes time and research but in the end it could potentially save you thousands of dollars.

Asking friends, family and co-workers for mortgage lender referrals can be helpful but their experience may be limited to just one transaction.¬† Your local¬†Realtor¬ģ¬†should be able to provide you with names of lenders who have proven their ability to offer good rates, low fees and close loans on time.¬† This is crucial especially in today‚Äôs mortgage lending environment with the new disclosure requirements which can prove challenging.

Selecting a mortgage lender should be based on more than just the lowest rate. Gather a few rate quotes, and then follow up with some research and interviews before you choose the lender who is right for you.

Here are some questions to ask a potential mortgage lender:

How long have you been in the mortgage business?  How long have you worked for this particular lender? How many loans have you originated and closed in the last year?

Do you have any special expertise?  Whatever type of loan you are seeking, look for a loan officer with experience in that type of loan. Not all lenders excel in all loan types.

What is the interest rate and APR at ‚Äúpar‚ÄĚ?¬† Asking a lender to quote you an interest rate at ‚Äúpar‚ÄĚ means without any loan fee or discount points included to buy the rate down.¬† This allows you to compare the APR (annual percentage rate) of more than one lender and better judge the true cost of the loan.

What is your lock-in policy? Find out when and how you can lock-in your interest rate.  Does your lender require deposit to lock, is it refundable?  Do they provide you with a written lock-in agreement?  Can you lock your rate by telephone, email or text? How long will your rate be locked for?  What happens if the closing is delayed with regard to your lock-in term.

 Do you work with a lot self-employed borrowers?  If you happen to be self-employed this is extremely important.  The more complicated your tax return is the more vital this is.  How good are they at evaluating tax returns? Believe it or not, there are many loan officers who are not skilled at this.

A good loan officer will get you to the closing table in a timely manner. They will communicate with you throughout the process and make sure your rate lock is protected or extended if need be. When you find a good loan officer you will also be finding a lender that has competitive mortgage rates and closing costs.

Don’t know where to begin looking for a home loan? Let us help you! We have a preferred lender right here in Anacortes¬†who can help you get started. They provide competitive mortgage rates while giving excellent service to our clients.

Finding your dream home in Anacortes or Skagit County is easy with the help of our professional team of full time real estate agents. Let our team guide you in the right direction and show you the difference our 5 Star Real Estate Service can make in buying home in Anacortes and Skagit County. 

Call, text or email us today!

(360) 941-3734

Info@JeanGroesbeck.com

Moving with Pets?

What will my new home be like?

Once you purchase your new home you will most likely be busy packing, changing utilities, maybe holding a garage sale…. and this often means less time with your pet.¬† Whether you are ¬†buying a new home or selling your home, moving can add stress to your life and believe it or not, your pets will pick up on your stress level.

Here are some tips to make moving less stressful for “Fido” or “Garfield”:

1. Keep updated vaccinations/medical records with you in case of emergency.

2. Carry a copy of your veterinarian’s business card or phone number.

3. Check with your vet about things to be aware of at your new location.¬† In Anacortes we don’t have to worry about heartworm, but if you are moving to an area that has heartworm, you will want to consider starting preventative medication prior to going to your new location.

4. Make sure your pet’s collar has updated I.D. information.

5. Have a leash and harness easily accessible.  Keep your pet confined to just part of the house until they are used to your new location.

6. Consider giving your pet bottled water at the new location so that his/her system is not shocked.

7. Have an adequate supply of pet food in a watertight container.¬† Do not make any changes in your pet’s diet during this time!

8. If driving to to your new location, don’t¬†leave your pet in the car during sunny weather.

9. Look for pet friendly hotels and call ahead to make reservations.

10. If you are traveling with a cat, bring a litter box and supply of litter.

11.¬† Have your pet’s bed and favorite toys available.

Remember, if you are anxious or stressed it goes down the leash to your pet. Try researching for local pet services as soon as you are settled in your new home. Most importantly,take time to play with your pet and it will relieve stress for both of you!

If you would like more tips on moving with pets or selling your home with pets, please contact us at (360) 941-3734 or send us an email Jean@JeanGroesbeck.com

809 7th St Anacortes, WA - (360) 941-3734

Realogy CEO Richard Smith appears on Fox

Realogy CEO Richard Smith appeared on Fox Business Network earlier this week to discuss the state of the housing market as well as the proposed legislation in Congress to expand the first-time homebuyer tax credit to all homebuyers.  (Realogy is the parent company of Coldwell Banker)

The  First Time HOme Buyer Tax Credit expires on November 30, 2009.  Realogy CEO Richard Smith is urging Congress to expand the credit to all home buyers across all market segments in order to continue to stimulate the housing market. 

The tax credit has had a huge impact on first-time buyers, but the move up market continues to be soft. ‚ÄúThe move up market is where we need to be focusing our attention now, and the expanded tax credit will accomplish this,‚ÄĚ said Smith. ‚ÄúIt is crucial that we continue to fight, rather than give up now,‚ÄĚ he continued. The tax credit is a demand side solution that has served as a terrific win for the administration and Congress as it gets prospective home buyers to make the decision to buy a home earlier than they would have otherwise. ‚ÄúWe are asking people to spend their own money and accelerating the biggest decision of their life, which is good for the economy,‚ÄĚ concludes Smith.¬†

Read more: http://rismedia.com/2009-09-15/realogy-ceo-richard-smith-urges-first-time-homebuyer-tax-credit-expansion/#ixzz0RNG1koRR

See Video:  http://video.foxbusiness.com/9571427/realogy-ceo-all-for-transparency/